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Mortgage Choice Cleveland & Redlands

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Cleveland, QLD
Mortgage Choice Cleveland & Redlands

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🏡 Local Redlands Coast mortgage experts.

We compare hundreds of loans to find your perfect fit!
🔑 Taking the stress out of buying, refinancing, and investing.
✨Celebrating 20 years in business in 2026!! Karen Le Comte prides herself on the highly personalised mortgage advisory service she and the Mortgage Choice Cleveland team provide to their many clients.

“I have built our business and the service we provide with a focus on creating ‘clients for life’,” Karen said. “I not only form strong friendships with many of our clients, but we become their long-term trusted advisers, assisting them with their changing financial needs at various times in their lives.

“I made the move from banking into mortgage broking as a result of my desire to provide clients with a professional, tailored and customer-focused service that adds real value for them.

“My ‘client for life’ philosophy is reflected in the service I provide, which is based on a commitment to ongoing communication with my clients, not only throughout the loan process, but well beyond settlement.”

Karen’s knowledge, passion and client focus has seen her become one of the most highly respected and recognised mortgage brokers in Australia, with a string of Smartline, industry and business awards. In addition to more than 135 years of combined banking and broking experience, the Mortgage Choice Cleveland team is able to meet the needs of clients by working closely with a strong network of local and respected business partners who provide valuable expertise in the areas of real estate, financial planning, property law, building/developing and personal insurance. Clients have the added convenience of being able to access the team’s expertise and ‘can do’ attitude at their Cleveland office. More than 90 per cent of Smartline Cleveland’s business comes as a result of referral from clients or business partners and their customers give them a customer service rating of 9.7 out of 10. All the members of the team are actively involved in the local community and the business is a strong supporter of charities such as The Kids’ Cancer Project.

“We’re all extremely grateful for the opportunity to be part of a tight-knit community and work with a large group of great clients to assist them and their families to achieve financial security,” Karen said. If you would like to make an appointment to see Karen, please phone her office on 07 3821 2539 and her friendly staff with be more than happy to help!

03/11/2026

⬆️ The RBA has increased the cash rate today.

If you’re wondering how much further the household budget can stretch, you’re not alone. Any change to your home loan rate and repayments will depend on your lender and loan type.

There may be options worth exploring:

🔍 Reviewing your current loan product and asking your existing lender for a better rate.

🏡 Comparing refinance options, with a clear breakdown of fees, estimated net savings and how long it would take to recover the switching costs.

📆 Reviewing your loan term to see whether lower repayments could help.

💳 Assessing whether consolidating higher-interest debts is suitable, with a shorter term or repayment plan to clear those debts sooner.

Extending a loan term can increase total interest, and securing other debts against your home carries additional risk. We’ll explain those trade-offs so you can make an informed decision. Being in control of your cashflow and minimum repayments can help in time of need.

Whether you’re an existing client or new to Mortgage Choice Cleveland, we’re here to help. 💙 Message us to arrange a home loan review.

Was today’s decision what you expected? 👇

Options depend on your circumstances and lender approval.

03/11/2026

🏇 The Cup. The cash rate. What’s your bet?

There’s plenty of speculation about today’s races—and what the RBA will do next. Are you tipping another rise or a hold? 👇

While we wait for the decision, could your household use a little breathing space?

Whether you’re an existing client or haven’t worked with us before, we can help you explore:

🔍 A review with your current lender
We’ll check your home loan product and interest rate and ask whether a better deal is available.

🏡 Refinancing—if the numbers stack up
We’ll compare suitable options and provide a breakdown of the refinance fees, estimated net savings and how long it would take to recover the switching costs.

💬 Options to ease repayment pressure
Where suitable, extending your remaining loan term back to 30 years may reduce repayments. We’ll also explain the extra interest this could mean over time.

💳 A plan for other debts
Consolidating higher-interest personal loans or credit cards may help. We’ll assess a shorter loan term for those debts or repayments designed to clear them sooner, so they aren’t simply stretched over 30 years.

A lower repayment doesn’t always mean a lower overall cost. We’ll explain both, including the risks of securing other debts against your home.

You don’t need to wait for another rate rise to review your options. Message Mortgage Choice Cleveland to get started. 💙

Options are subject to your circumstances and lender approval.

19/10/2026

No trophy this time… but still plenty to celebrate! 🥂💙

What a night at the 2026 Australian Mortgage Awards in Sydney on Friday!

While Karen didn't take home the ANZ Woman of Distinction award, being named as one of just 10 finalists from across Australia at one of the mortgage industry's biggest awards nights is an incredible achievement in itself! 🏆

This nomination was particularly special, as Karen was nominated by her daughter Erin, who has worked alongside her for almost 15 years. It was an opportunity to recognise the years of dedication, hard work and genuine care Karen has poured into her clients, her team and Mortgage Choice Cleveland.

And although we didn't come home with a trophy, we certainly had a fantastic night!

A huge congratulations to Rachael McKenzie from Loan Gallery Finance on taking home the award, and to all the other finalists and winners!

Finally, thank you to everyone who supported Karen and cheered us on in the lead-up to the big night. We really appreciate all the lovely messages and encouragement.

We might not have won the award, but Karen will always be our Woman of Distinction, and we're incredibly proud of everything she and Mortgage Choice Cleveland have achieved! 💙

Here are a few happy snaps from our 24 hours in Sydney catching up with old friends and new 📸✨

16/10/2026

✨Tonight is the night!! ✨

Karen and Erin enjoying a w**e before it's time to get dolled up for the Australian Mortgage Awards in Sydney tonight.

Karen has been named as a finalist and excellence awardee for the Woman of Distinction award.

Stay tuned!! 🏆🤞

14/10/2026

🏡We helped Zoe & Ben get into their first home a few years ago, and then again when they wanted to sell and upgrade to their dream location!

🎯We love seeing our clients kicking goals and are so there and ready for life's adventures and changes.

We're your brokers for life and in it for the long haul 🤝❤️

☀️Thank you for your kind words, we're so proud of you! 🫶

❤️

13/10/2026

🏡 Thinking about buying your first home? Let's make it happen!

Buying your first home is exciting, but figuring out where to start can feel a little overwhelming.

How much deposit do you actually need? What can you afford to borrow? Are you eligible for any first home buyer grants or government schemes?

💡 The good news? You don't have to work it all out yourself!

At Mortgage Choice Cleveland, we can help you:

✅ Understand your borrowing capacity and deposit requirements

✅ Explore first home buyer grants, concessions and government schemes you may be eligible for

✅ Compare home loan options from over 35 lenders

✅ Navigate the pre-approval process and paperwork

✅ Feel confident about your finances before you start house hunting

And you don't need to have your full deposit saved or be ready to buy to have a chat with us!

Getting advice early can help you put a plan in place and understand what you need to do to get there.

📍 We're your local mortgage brokers at Mortgage Choice Cleveland, and we'd love to help you take that first step.

📩 Send us a message or get in touch to book an appointment!

12/10/2026

🏡 Interest rates have gone up again… should you be refinancing? 🤔

Following the recent RBA rate rise, we've had plenty of customers asking whether they should be looking at switching lenders to get a better deal.

Our advice? Don't panic, and don't assume refinancing is automatically the answer!

💡 Did you know that even customers with the same lender can be paying completely different interest rates?

Your rate can depend on your loan amount, property value, available equity, loan product and any discounts negotiated with your lender.

And while another bank might be advertising a lower rate, that doesn't necessarily mean you'll save money by switching.

Before making any decisions, it's worth considering:

✅ Rate negotiations – Could your existing lender offer you a better deal without refinancing?

✅ The real cost of switching – Will the interest savings outweigh any discharge fees, new loan costs or ongoing package fees?

✅ Your financial position – Have your income, expenses, debts or property value changed since you originally applied?

✅ Your loan structure – Could an offset account, different repayment arrangement or restructuring other debts help improve your cash flow?

✅ Your long-term goals – Lower monthly repayments can be helpful, but extending your loan term may increase the total interest you pay.

❤️ Remember, refinancing isn't always the best solution.

Sometimes we can negotiate a better rate with your current lender. Sometimes switching could save you thousands. And sometimes, after comparing your options, you'll find you're already in a competitive position!

At Mortgage Choice Cleveland, we're here to help you understand your options and make an informed decision.

📞 Not sure if your home loan is still competitive?

Send us a message or book a phone appointment with our team using the link below. We'd be happy to review your situation!

🔗 https://linktr.ee/mortgagechoicecleveland

29/09/2026

🚨 The RBA has increased the cash rate to 4.60%. 🚨

With the cash rate increasing, now is the perfect time to review your home loan options, because you could be paying more than you need to.

Plus, here are 20,000 more reasons to take at look at your options.

When you apply to refinance your loan by 18 October, you’ll automatically go in the draw to win $20,000! 💸

Ready to see if you could be getting a better deal? Send me a DM to get started!

T&Cs apply. Minimum loan amount of $250,000.

18/09/2026

🌿🏡 Thinking about giving your home loan a spring clean?

There could be 20,000 extra reasons to finally get that home loan review off your to-do list. 👀💰

Apply to refinance an eligible home loan through Mortgage Choice by 18 October 2026 and you’ll go into the draw for the chance to WIN $20,000!

If you haven’t reviewed your home loan for a while, now could be a great time to check whether your current rate and loan structure are still working for you.

At Mortgage Choice Cleveland, we can compare your current loan against options from a wide range of lenders and take care of the refinancing process from start to finish.

What would you do with an extra $20,000? 💭

Renovations? ✨
A family holiday? ✈️
Pop it into the offset? 🏡
Or something completely different?

📞 Get in touch with the Mortgage Choice Cleveland team to start your home loan review.

T&Cs apply. AU 18+ only. Minimum refinance loan amount $250,000. Applications must meet promotion and lending eligibility requirements. Promotion ends 18 October 2026. See full T&Cs for details.

Address

1/20 Masthead Drive
Cleveland, QLD
4163

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm

Telephone

+61738212539

Website

https://www.mortgagechoice.com.au/karen.lecomte/, https://linktr.ee/mortgagechoicecleveland

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